Affordable Group Health Insurance | Health Care Coverage

Posted by admin on February 13th, 2012

If you enroll in an affordable group health insurance plan, you will have access to many benefits. Many people believe this statement refers only to the medical benefits that are the main purpose of affordable group health insurance policies. However, there are many other benefits to enrolling in an affordable group health insurance plan.

The first value added benefit is peace of mind. If one of your dependents becomes ill, it is very nice to be able to only worry about getting them access to the best available medical care, instead of having to take time out to worry about how you will pay for the medical care. Or even worse yet, having to decide whether to even seek medical care or not based on financial reasons. Without affordable group health insurance, a medical emergency can result in overwhelming bills that could eventually end up causing a family to file for personal bankruptcysomething that happens in the U.S. very often. At a difficult economic time, when so many people are losing their homes, it is very important to know that you are doing all you can to protect your finances, and your home so that you do not go into deep medical debts. This peace of mind can even help your recovery go faster because research shows stress leads to a slower recovery.

A second valuable benefit of affordable group health insurance plans is the amount of information and educational materials available to members of an affordable group health insurance plan. On the companys web site, you will have access to pamphlets, brochure, videos, etc. that can help you learn about chronic illnesses, important health news, set fitness and weight goals, and other health related activities. There are many affordable group health insurance carriers that offer ideas and programs to help members stop smoking or lose weight. There are some affordable group health insurance carriers that help members by reminding them of recommended screenings, scheduled appointments, suggested immunizations, and other helpful services.

A third benefit is the electronic record keeping that is maintained by many affordable group health insurance carriers. You can access a large part of your medical record online, and keep track of your medical services. You can also check on claims submission and claims payment. You can read the explanation of benefits sent out to your physician and other health care providers. You may even be able to pay your affordable group health insurance premiums online. Many affordable group health insurance carriers will also keep date on your physician so you can compare or read reviews about your doctor in order to feel more confident in his or her services.

A fourth benefit is that many affordable group health insurance carriers offer an 800- number, or a hotline to speak to a nurse or physician when you have a medical question that you would like help with, but it can not wait until an office visit. Often these questions are about whether to go to an emergency clinic or not. Having a medical person available is another valuable service offered by many affordable group health insurance carriers, and is yet another way they try to help members maintain healthy lives and prevent illness or injury.

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Source: http://www.pi4soa.org/affordable-group-health-insurance.html

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